Matching Your Needs Optimally
it doesn't get better than this!

The Needs-Matched Approach...

Save 30% Off Your Existing Premiums Now

(Without Having to go Through a Full Planning Exercise!)

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Join Two million like-minded clients that Save 30%

2 Million+

Lives Insured

2,1 Billion

Annual Premium income

379 Billion

Total Cover amount

"YOUR OPPORTUNITY TO SAVE WHILE YOU SLEEP"

Have You Ever Heard a Financial Advisor Advise You to Reduce or Cancel Your Cover Because You Don't Need It? Well, That is What You Will Hear Here and the Reasons Why!

The Needs-Matched Secret Ingredients

Needs-Matched Pricing Methodology Considers the Following:

Secret #1

Needs-matched pricing removes wastage in traditional pricing and instantly saves 30% of current premiums and creates a portfolio that produces best value for money!

Secret #2

When life happens, you have the freedom to choose a lump-sum or recurring payment which helps protect against further inflationary or investment loss. The most flexible benefits that pay out on multiples claim levels.

Secret #3

Knowledge of the needs-matched approach guides prioritisation in choosing whether you protect your income, your family, your assets, your future investment returns or all-in-one maximised efficient portfolio.

Deprogramming the Archaic Sales Gig

Using an Example to Illustrate How Cover Works …

A 100 Year Plus Industry has Hardly Evolved Until Now!

“With needs Matched Cover, we know how hard you have worked to earn every cent, that’s why we suggest you only pay for what you need. We replace the bloated expenses, excessive profits and archaic processes with the latest in pricing tech.

And, as we do life and health differently, we disrupt the way life insurance is done. We believe that if you know how to protect all diseases that could harm you or your family, you could reduce your premiums to the bare minimum over time and not have to purchase cover, never knowing when your number is up.

Lifestyle factors, when properly implemented, will protect you from 99% of all know diseases that are killing most people today."

Traditional Insurance vs Needs-Matched Cover

Cutting Out Bloated Profits and Pricing for Exact Needs Leads to a Massive Reduction in Premium

Traditional life insurance archaic approach to injury and illness cover is outdated. Most common injuries or illnesses that prevent you from earning an income will not be paid!

The Needs-Matched Approach

The Only methodology That Matches What You Need and Gives You More for less

Needs-Matched in Action

And How Traditional Competitors Would Have Paid the Same Claim

A 42-year-old businessman upgraded his policy from another provider and purchased his needs-matched cover in December 2017.

On inception of his new policy, the client was able to increase his permanent disability cover from R13 million to just over R36 million.

Unfortunately, the client was diagnosed with stage 4 oesophageal cancer in October of 2021. Thanks to this added certainty, the client qualified to receive a his pay-out as soon as he was diagnosed.

Another provider would only pay the client’s permanent disability claim if his cancer diagnosis resulted in him being permanently confined to bed or a chair for more than 50% of his waking hours.
One provider would only pay his claim if the client’s cancer resulted in terminal illness, and they have a 90-day survival period for terminal cancer.
At least four other providers in the industry wouldn’t have paid the client’s permanent disability claim on diagnosis alone due to various barriers to claim.

A 39-year-old manager was diagnosed with arrhythmia (irregular heartbeat), which resulted in her having a pathway ablation (a procedure that corrects an abnormal heart rhythm by cauterising an abnormal heart conduction pathway) in July 2016.

The client qualified for a 25% pay-out under her additional expense needs cover, which was paid in full. She was also booked-off work for almost a year and received a temporary expenses pay-out during that period (337 days). Another pathway ablation happened in August 2019, which qualified for a further payout.

No other provider in the market would have paid out as much under their critical illness products.
No other provider in the market would have paid out as much under their critical illness products.
Only one other provider would have paid for both pathway ablations, but only at 10% (compared to the 25% paid for each claim).

A 40 year old client was diagnosed with cancer in January 2019. The client, an accountant, consulted his doctor after suffering from abdominal pain, nausea and loss of appetite. He was admitted to hospital at the beginning of January 2019, where he was diagnosed with stage 4 pancreatic cancer.

His health quickly deteriorated and he died just 25 days after being admitted. He was paid out in full on diagnosis of stage 4 cancer. His family was paid on his death which was arranged as a recurring pay-out, until his spouses retirement age of 65 years.

No other provider in the market would have paid out as much under their critical illness products.
Because the client was in hospital for 25 days before he died, his spouse was paid to assist with the unexpected costs of him being in hospital. No other provider would have paid.
Only 3 other providers pay on diagnosis of stage 4 cancer under their permanent disability cover. None of them would have paid as much because of the way the client’s cover was structured.

Building your Needs-Matched Portfolio

Progressive Assurers Price Risk with You in Mind. Saving You 30% on Current Premiums

The only way to buy 'cheaper' cover is to manipulate annual premium and cover increases. This makes the policy of insurance unaffordable over time.

Life Assured's Receive Billions in Benefits

R29,1 Billion in Death Claims Alone was Paid Out in 2021

The Past Two Years Demonstrate Multiple Reasons to be Sufficiently Covered

Corporate Professional's Claims are Astronomical

The 'professional's only' insurance company had a 15% increase in Sickness Benefits Paid and a 43% in Long term Disability Claims.

Income-Protection Specialist Assurer

17% increase in claims since Covid
18 days off work for the average Covid-19 claim
314 days off work for the average cancer claim
29% increase in sicknote claims due to Covid-19 infections
367 days off work for the average stroke claim
31.2% of claims were for minor infection during Covid-19
86% of claims fall within the 7-day waiting period
13% of claims were in the 30-day waiting period.

FMI 2020 Claims Report

The Importance of Cover
One Thing in Life is Certain, either a Claim will be Paid or Not

Momentum Metropolitan’s life insurance businesses paid R10.7 billion in death claims during the year, compared to an average of R5.6 billion per year preceding the pandemic

Preventing The Top Ten Diseases

It's Achieved Daily with Natural Interventions

Heart Disease

Leading cause of death at the global level
Destroying more people than ever before
Heart disease deaths increased by more than 2 million since 2000, to nearly 9 million in 2019
Men more likely to pass away from heart disease than women
Children now suffer with Myocarditis
Heart disease does not discriminate as 1 in 6 will die of heart disease

Cancer

Cancer does not discriminate with age
3rd most common income protection claim
Accounted for 3.1% of all claims paid
Accounted for 40% - 54% of all critical illness claims
Prostate cancer claims increase by 20%
Most common severe illness of SA women
Women are developing cancer from a younger age

Improve Your Health - Reduce Your Premiums

The True Essence of Our Belief

The Largest Life Insurance Company in the Country Had this to Say About Illness

1 in 4 People Reading This Will Die From
Some Form of Cancer Like...

Cancer rates have been rising for more than fifty years. In fact, we are no closer to "finding the cure" for cancer than we were in 1971 when President Nixon signed the National Cancer Act to create and fund the National Cancer Institute.

How can the cancer industry funded by billions of dollars with the world's smartest researchers, scientists and doctors be completely stumped by this disease?

At the current growth rate, in the near future, every person on earth will suffer from cancer.

Here’s the GOOD NEWS:

The answers to STOP CANCER are out there... if you know where to find them!

And we have been studying the natural path to preventing and healing cancer for over a decade now. When you join our tribe of clients, you gain access to our network of natural cancer practitioner's and benefit from the direction and insights to prevent the diseases commonly referred to as lifestyle diseases...

Ok, I’m Interested… What Next?

Click Connect Below and we will Send you the Link
Select your Choice of Option and Claim Your FREE Gift

Option One

The Quick Quote

Option Two

The Quick Compare

Jot down your cover needs and we will send you a comparison of your savings
Benefit-for-benefit comparison will be provided
Benefits will be compared against your specific needs
Using our risk management methodology and steps, identified will be highlighted
Portfolio improvements may be suggested
Where required, a review of your investment portfolio will be made available
Gain access to our business library folder of financial books worth over R10,000
Where we engage in assisting you, you will have access to "The Health of Your Gut" course worth over R2900

Option Three

The Full Monty

Analysis of all overall financial portfolio and potential exposures
Review of your will that it complies with the requirements of a valid will
Review of your assets and liabilities
Review of your investment portfolio for its risk return ratio, diversification and asset allocation
Review of your tax planning strategy on donations tax, CGT, estate duty
Review of your estate plan for succession, taxation, administration and how it aligns with your will
Suggest improvement in your portfolio
Review of your business entities and succession planning including business insurance, keyman and buy and sell agreements
Review of your short-term covers for property, vehicles, business and where required for optimal pricing structures
All activities of 'The Quick Compare'
A consulting fee may be applicable
Receive an additional financial and business books worth over R3500
Should we do business, you have access to "The Health of Gut" course worth over R2900
Should we do business, you have access to "The Corporate Athlete" course worth over R6900

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LIFETIME CHOICE

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FAQ's

Who do we partner with?

We don’t need to partner as we have our fellow colleagues across 250 financial practices in South Africa.

We are licensed to consider the offer of any insurer or investment company in the country.

We also partner with functional and natural health practitioners. In our legal applications we team up with other attorneys and advocates.

WHAT CAN I DO TO REDUCE MY HEALTHCOSTS AND MY FINANCIAL PORTFOLIO PREMIUMS?

This question has been the driving factor behind ongoing research into the escalating increase in health cost and financial portfolio’s. We live in a world that now believes in prevention ahead of cure, and their work is equipping you to safeguard your financial provision and health vitality by implementing subtle but important changes.

Our work is focused on root-cause analysis and needs-matched over. By following our method and steps, saving money is on the top of the list.

What can I expect?

Once you have submitted your details, we or one of our top advisor’s who is assigned on your matter will present what is available in comparison to what you have now. In this way you are never left with less than you have. You will always be covered according to your needs and more with a 30% saving.

What if my health is not where it should be

Because we also run a functional and alternative health consulting practice, our experts provide health guidance to get you back to the condition you were in your 20’s. Our focus is in alternative and natural medicine. Our courses in health will optimise your health no matter where you are. You need to make that decision and take the next step.

If You Haven't Already, Making an informed Needs-Matched Decision will Provide You a 30% Saving or an Additional 40% in Cover Today!

Get This Offer Now!